---
title: "Corgi vs HUB International Employment Practices Liability Insurance"
description: "Corgi publishes EPLI agreements, limits and a $25,000 retention; HUB’s ProEx page flags 2026 pay-transparency laws and staffs attorney claims support."
canonical: "https://spot.insure/compare/corgi-vs-hub-international/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Corgi vs HUB International Employment Practices Liability Insurance

Corgi publishes EPLI agreements, limits and a $25,000 retention; HUB’s ProEx page flags 2026 pay-transparency laws and staffs attorney claims support.

## Research Scope and Use

Use this comparison to evaluate Corgi and HUB International for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Corgi sells startup EPLI online with two insuring agreements and illustrative $1 million / $2 million limits. HUB brokers EPL through ProEx, does not describe insuring agreements on that page, and offers a Claims & Legal Risks Group of attorneys for management-liability claims. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [10](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## What Is Corgi Insurance?

Corgi Insurance sells commercial coverage to technology startups through stage-based packages (pre-seed and seed, Series A, and growth stage) that combine general liability, directors and officers, technology E&O, cyber, and related lines, alongside a growing small-business product line for other industries. Coverage may be issued by Corgi’s own risk retention group, an affiliated admitted carrier, or a partner insurer, so the issuing entity and available protections depend on the specific product and state. [1](https://www.corgi.insure/disclaimers "Disclaimers") [2](https://www.corgi.insure "Corgi Insurance homepage") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [7](https://www.hubinternational.com/about-us/ "About Us") [8](https://www.hubinternational.com/contact-us/ "Contact Us") [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Employment Practices Liability Insurance?

Employment practices liability insurance addresses claims alleging workplace wrongdoing, such as discrimination, harassment and wrongful termination. [11](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance")

## Key Differences in Employment Practices Liability Insurance

### Published Form Versus ProEx Context

Corgi publishes Agreement A (employees and applicants) and Agreement B (third-party harassment or discrimination in a business interaction), plus wage-and-hour and contractor endorsements. HUB brokers EPL inside ProEx and flags pay-transparency laws taking effect in 2026, but the ProEx page does not describe EPL insuring agreements, exclusions or endorsements in its own text. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [10](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### Size Context and Limits

The ProEx FAQ discusses D&O, EPL, fiduciary and E&O interplay for “large organizations” without a minimum size. Corgi is a startup EPLI product with illustrative $1 million / $2 million limits, a $25,000 retention, and U.S./Canada claim geography. HUB does not publish EPL limits. Corgi’s disclaimers name possible underwriters; ProEx does not name EPL insurers. [10](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [1](https://www.corgi.insure/disclaimers "Disclaimers")

### Claims Lawyers Versus Self-Serve Quote

HUB’s Claims & Legal Risks Group, staffed by attorneys specializing in ProEx coverages including EPL, supports claims from pre-claim wording review through recovery, plus analytics, litigation support and risk-management. Corgi offers an online self-serve quote and does not describe an attorney claims unit on the EPLI page. HUB directs prospects to a ProEx specialist rather than an online bind. [10](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask HUB which carrier would issue EPL and how pay-transparency claims would be treated. [10](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Ask Corgi which endorsements are on the quote and which entity underwrites it. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [1](https://www.corgi.insure/disclaimers "Disclaimers")
- Compare HUB’s unpublished limits with Corgi’s illustrative $1 million / $2 million and $25,000 retention. [10](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups")
- Ask HUB what the Claims & Legal Risks Group will do before a claim is filed. [10](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## Offering Details

| Criteria | Corgi Employment Practices Liability (EPLI) | HUB International Employment Practices Liability Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | Corgi sells EPLI as a standalone startup policy and bundles it into its Series A, Growth Stage and Custom packages, describing it as coverage for claims arising from the employment relationship: wrongful termination, discrimination, harassment, retaliation and failure to hire. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Product page for form CORG-EPL-0100, last reviewed by Corgi on April 24, 2026 per the page itself..) | HUB brokers employment practices liability insurance as one of the Executive Liability coverages inside its ProEx Professional & Executive Risk practice, rather than underwriting it. [10](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list, read 2026-09-23. The page does not name an issuing insurer for EPL..) |
| Issuing Insurer | Corgi's disclaimers say coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. (an admitted carrier) or Technology Risk Retention Group, Inc.; the EPLI product page itself does not name which entity underwrites a given EPLI policy. [1](https://www.corgi.insure/disclaimers "Disclaimers") (Evidence: Company-reported; scope: General carrier-financial-strength disclosure that applies across Corgi's product lines, not an EPLI-specific underwriter statement; your policy names the actual insurer..) | No insurer is named for EPL on the ProEx page; HUB says ProEx places over $2 billion in premium with carriers it calls top-rated, without naming them. [10](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23..) |
| Who It’s For | Corgi says EPLI coverage applies to claims made and pursued in the United States, its territories, Puerto Rico or Canada, and that startups with international employees should discuss this limitation with their advisor. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Policy notes for form CORG-EPL-0100; claims brought in other jurisdictions are not covered under the standard policy..) | The ProEx page does not publish a size, industry or state eligibility list specific to EPL; its FAQ discusses D&O, EPL, fiduciary and E&O interplay in the context of "large organizations" without defining a minimum size. [10](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not found in reviewed sources; scope: Checked the ProEx page on 2026-09-23; EPL is listed as one coverage among many without its own eligibility criteria..) |
| Coverage Features | The standard policy has two insuring agreements: Agreement A covers claims by current employees, former employees and job applicants alleging discrimination, harassment, retaliation or wrongful termination; Agreement B covers claims by third parties, such as customers or vendors, alleging harassment or discrimination by an employee during a business interaction. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-EPL-0100; the issued policy and declarations control..)<br><br>The standard policy excludes wage-and-hour claims (including FLSA misclassification and overtime disputes); Corgi offers a Wage & Hour Defense Costs Endorsement that covers defense costs only, not settlements or judgments, for these claims. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Policy notes and Available Add-ons section for form CORG-EPL-0100; the endorsement requires separate issuance and does not add indemnity coverage..)<br><br>Independent contractors are excluded from the policy's definition of 'Employee' by default; Corgi offers an Independent Contractors and Leased Workers Endorsement to extend coverage to claims from contractors and leased workers. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Policy notes and Available Add-ons section for form CORG-EPL-0100; endorsement required and availability may vary by jurisdiction and underwriting..) | HUB flags pay-transparency laws taking effect in 2026 as a development relevant to EPL coverage, in an article title on the ProEx page, but the page does not describe EPL insuring agreements, exclusions or endorsements in its own text. [10](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page article listing; the article itself was not opened, so its content beyond the title is not part of this claim..) |
| Limits and Retentions | Corgi's illustrative EPLI structure shows limits up to $1 million per claim and $2 million in the policy aggregate, with a $25,000 self-insured retention per claim and defense costs included within the limit. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Illustrative policy structure on the product page; actual limits and retentions appear on the declarations..) | Published EPL policy limits or retentions were not found on the ProEx page. [10](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Not publicly disclosed; scope: Checked the ProEx page on 2026-09-23; limits are set on the quote and declarations..) |
| Risk Services | Not described in the reviewed sources. | HUB says its ProEx team, which lists EPL among its coverages, provides analytics, litigation support and risk-management services to clients of all sizes under a named ProEx practice leader. [10](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page team and services description; not specific to a single EPL engagement..) |
| How to Apply | You can request an EPLI quote online through Corgi's self-serve application. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Product page quote call to action..) | HUB directs EPL prospects to contact a ProEx specialist rather than an online quote or bind flow. [10](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page call to action..) |
| Claims Support | Not described in the reviewed sources. | HUB describes a Claims & Legal Risks Group, staffed by attorneys who specialize in ProEx coverages including EPL, that provides management-liability claims support from pre-claim policy-wording review through claim recovery. [10](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page claims and legal support section..) |

## Full Comparison

- [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination.
- [Corgi vs HUB International Business Owner’s Policy](https://spot.insure/compare/corgi-vs-hub-international/business-owners-policy)
- [Corgi vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/corgi-vs-hub-international/cargo-transit)
- [Corgi vs HUB International Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-hub-international/commercial-auto)
- [Corgi vs HUB International Crime Insurance](https://spot.insure/compare/corgi-vs-hub-international/crime)
- [Corgi vs HUB International Cyber Insurance](https://spot.insure/compare/corgi-vs-hub-international/cyber)
- [Corgi vs HUB International D&O Insurance](https://spot.insure/compare/corgi-vs-hub-international/directors-officers)
- [Corgi vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/fiduciary)
- [Corgi vs HUB International General Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/general-liability)
- [Corgi vs HUB International Hired and Non-Owned Auto Insurance](https://spot.insure/compare/corgi-vs-hub-international/hired-non-owned-auto)
- [Corgi vs HUB International Medical Malpractice Insurance](https://spot.insure/compare/corgi-vs-hub-international/medical-malpractice)
- [Corgi vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-hub-international/professional-errors-omissions)
- [Corgi vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/corgi-vs-hub-international/representations-warranties)
- [Corgi vs HUB International Tech E&O Insurance](https://spot.insure/compare/corgi-vs-hub-international/technology-errors-omissions)
- [Corgi vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/corgi-vs-hub-international/umbrella-excess)
- [Corgi vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-hub-international/workers-compensation)
- [Alliance Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/employment-practices)
- [Alliance Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/employment-practices)
- [Amelia Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/employment-practices)
- [Amelia Risk vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/employment-practices)
- [Beazley vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-corgi/employment-practices)
- [Beazley vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/employment-practices)

## Sources

### Corgi

1. [Disclaimers](https://www.corgi.insure/disclaimers). Corgi Insurance; Carrier Financial Strength: 'Coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. ... Certain coverages may also be underwritten by Technology Risk Retention Group, Inc.'. Accessed 2026-09-23.
2. [Corgi Insurance homepage](https://www.corgi.insure). Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/insurance-topics/risk-retention-groups). National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
6. [EPLI Insurance for Startups](https://www.corgi.insure/employment-practices-liability). Corgi Insurance; What's Actually Inside Your EPLI Policy (form CORG-EPL-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. Accessed 2026-09-23.

### HUB International

7. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
8. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
9. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
10. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Employment Practices Liability (EPL) under Executive Liability; "Pay Transparency Laws in 2026: What It Means for EPL Coverage" article title; FAQ on D&O/EPL/fiduciary/E&O interplay; Claims & Legal Support section; ProEx premium volume statement. Accessed 2026-09-23.

### Employment Practices Liability Insurance Guide

11. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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